System for secured transactions over a wireless network
First Claim
1. A system, comprising a transaction server configured to implement, via execution of program instructions on a processor, a method for booking and paying a retailer comprising a Point of Sale (POS) connected to the transaction server, said program instructions stored on a computer readable storage medium, said method comprising:
- said transaction server storing a retail identifier that identifies the retailer, a first user telephone number of a wireless device of a user, and confidential user information for implementing a transaction between the retailer and the user, said confidential user information comprising a first user identification identifying the user and a first personal identification number (PIN) pertaining to the user;
after said storing, said transaction server receiving a Short Messaging Service (SMS) message from the wireless device of the user, said SMS message comprising a retailer identification identifying the retailer, said SMS message not including any readable sensitive information;
said transaction server receiving, from a carrier transporting the SMS message to the retailer, a second user telephone number of the wireless device of the user;
in response to said transaction server receiving the SMS message from the wireless device of the user and the second user telephone number from the carrier, said transaction server verifying that the second user telephone number matches the first user telephone number and that the retailer identification matches the retailer identifier;
in response to said verifying, said transaction server sending the first user identification and the first PIN to the POS comprised by the retailer which results in the sent first user identification and first PIN being received by the POS; and
after said sending the first user identification and the first PIN to the POS, said transaction server receiving from the retailer payment information comprising a fee required to be paid by the user to the retailer with respect to the transaction, said receiving the payment information occurring in response to;
the user having entered on the POS both a second user identification identifying the user and a second PIN pertaining to the user, andthe retailer having confirmed that the second user identification entered by the user matched the first user identification received by the POS from the transaction server and that the second PIN entered by the user matched the first PIN received by the POS from the transaction server.
1 Assignment
0 Petitions
Accused Products
Abstract
A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user code, and a user wireless device phone number. The method includes: receiving at the transaction server, from the user wireless device which can be a cell phone, an SMS containing a retailer identification; reading at the transaction server the phone number of the wireless device communicated by the carrier transporting the SMS; authentifying the phone number and retailer identification with the stored confidential user information; sending the user confidential information to the retailer POS. The user enters on the POS the user code. The POS reads and authentifies the user code with the user confidential information received from the transaction server. The retailer enters the payment information on the POS and sends it with user information to the transaction server.
194 Citations
5 Claims
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1. A system, comprising a transaction server configured to implement, via execution of program instructions on a processor, a method for booking and paying a retailer comprising a Point of Sale (POS) connected to the transaction server, said program instructions stored on a computer readable storage medium, said method comprising:
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said transaction server storing a retail identifier that identifies the retailer, a first user telephone number of a wireless device of a user, and confidential user information for implementing a transaction between the retailer and the user, said confidential user information comprising a first user identification identifying the user and a first personal identification number (PIN) pertaining to the user; after said storing, said transaction server receiving a Short Messaging Service (SMS) message from the wireless device of the user, said SMS message comprising a retailer identification identifying the retailer, said SMS message not including any readable sensitive information; said transaction server receiving, from a carrier transporting the SMS message to the retailer, a second user telephone number of the wireless device of the user; in response to said transaction server receiving the SMS message from the wireless device of the user and the second user telephone number from the carrier, said transaction server verifying that the second user telephone number matches the first user telephone number and that the retailer identification matches the retailer identifier; in response to said verifying, said transaction server sending the first user identification and the first PIN to the POS comprised by the retailer which results in the sent first user identification and first PIN being received by the POS; and after said sending the first user identification and the first PIN to the POS, said transaction server receiving from the retailer payment information comprising a fee required to be paid by the user to the retailer with respect to the transaction, said receiving the payment information occurring in response to; the user having entered on the POS both a second user identification identifying the user and a second PIN pertaining to the user, and the retailer having confirmed that the second user identification entered by the user matched the first user identification received by the POS from the transaction server and that the second PIN entered by the user matched the first PIN received by the POS from the transaction server. - View Dependent Claims (2, 3, 4, 5)
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Specification